Our home equity line of credit and home equity loan products range from stated income to zero cost, 3.95% and below, up to $300,000!
Let us help you choose the home equity product that is right for you. Apply online easily with our short credit line application.
 

 
  125% Home Equity Line of Credit
Choose a Product
- Zero Cost Credit Line
- 125% HELOC
- Bad Credit Equity Loan
- Stated Income HELOC

- Calculator

Line of Credit Tools
- What is a Home Equity
     Line of Credit?

- What is a Home Equity
     Loan?

- Home Equity Line of
     Credit vs. Home
     Equity Loan

- How a Home Equity
     Line of Credit Works

- Qualifying Guidelines
- Variable vs. Fixed


Credit Services
- Credit Repair Center

 
If you are a new homeowner this is an excellent credit line to get money right away!  Since you probably don't have much or any equity yet we allow you to borrow 125% of your homes value. One day after you walk through your door Security Pacific Financial can qualify you for a new loan with above average credit. For instance if you bought your house for $100,000 and your mortgage is for $90,000, you could get a home equity line of credit for $35,000 making your mortgages total 125% of your homes value.

The 125% HELOC has requirements that are a little bit more difficult to qualify for, however Security Pacific Financial is one of the only companies to offer it.

Quick Loan Overview and Guidelines
(ihe125cltv)
 - 20 Year Period (10 Years Draw / 10 Years Payback)
 - Variable Interest Rate Loan (Fixed Rate Home Equity Loans)
 - Cannot be behind a Negative Amortizing 1st Mortgage
 - No Bankruptcy's in the last 36 Months

Is this not the loan you are looking for? Look Here.
 - Zero Cost Equity Line - Borrow up to 100% of your Homes Value!
 - No Income Verification Equity Line
 - Bad Credit Home Equity Loan

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Things you should know before applying for a home equity line of credit or "credit line":

1. Find your Homes Value
2. What is the Line of Credit for?
3. How much do you need?

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